Prices from £330,000
Est. gross yield: 6.5%
Take control of your wealth. For you, your family and the generations after.
From April 2027, pensions are due to become part of the taxable estate, putting up to 40% of a lifetime’s saving at risk. Adventum turns pension wealth into a fully managed, ring-fenced property portfolio. Evidenced. IHT-aware. Run for you.
No obligation. Your accountant or IFA is welcome on the call.
Why this matters now
Most pension holders never planned for this.
You’ve built a substantial pension over a long career. From April 2027, what remains in it is due to form part of your taxable estate, and up to 40% of that could go to inheritance tax. There is a fixed date, and it will only get louder in the press. The question is not whether to think about it. It is whether you decide or wait to be told.
40%
Up to 40% of unused pensions could be lost to inheritance tax from April 2027.
Recognised and trusted
A record of trust. Recognised globally.
From global wealth-management bodies to international real-estate awards and leading business press, Adventum Wealth and founder Dr. Rajanya Ravasia have been consistently recognised for excellence, vision and measurable results.
7+
Awards & honours
2016
Recognised since
Global
Reach & impact
How it works
The steps we run
Release
You access up to 25% of your pension tax-free, arranged through your own regulated adviser. Don't have one? We can introduce you to a regulated adviser who works with our clients
Structure and buy
We form a family SPV (special purpose vehicle) and buy an income-producing Grade A buy-to-let property.
Manage
We let and manage it on your behalf.
Receive
The rental income flows back to you and your family.
Pension
Tax-free sum via adviser
Family SPV
Property
Rent to your family
Rent to your family
What clients say
Professional perspective.
“Adventum provided far more than property sourcing, they delivered strategic tax and structuring advice that could materially strengthen the use of my pension and retirement planning. Their guidance on the right holding structures, combined with a disciplined focus on selecting high-quality, growth-led assets, can add real long-term value.
I would highly recommend Adventum to professionals seeking thoughtful, well-structured property investment counsel.”
Dr Chaand Nagpaul CBE
Chairman, British Medical Association, 2017-2022
How it works
The steps we run
Release
You access up to 25% of your pension tax-free, arranged through your own regulated adviser. Don't have one? We can introduce you to a regulated adviser who works with our clients
Structure and buy
We form a family SPV (special purpose vehicle) and buy an income-producing Grade A buy-to-let property.
Manage
We let and manage it on your behalf.
Receive
The rental income flows back to you and your family.
Pension
Tax-free sum via adviser
Family SPV
Property
Rent to your family
Rent to your family
WORKING IN PRACTICE
Manchester | Buy-to-let investment example
Two-dimensional return projection on a £300,000 property over a 10-year holding period, rental
income and capital growth in GBP.
Property Value £300,000
Period 10 years
Period 10 years
INTERNAL RATE OF RETURN · GBP
11.22%
in GBP
Annualised GBP return
The compound rate at which your initial £97,000 investment grows over 10 years, factoring rental income and capital growth.
Wealth multiple
2.6×
ROE 160%
Total profit
£155,603
Net of all costs and SDLT
Net rental income
£54,423
Over 10 years
Where your returns come from
Total profit · GBP
£155,603
Over 10 years
From £97,000 to £252,603
Each bar shows the cumulative GBP value at each step
Initial Investment
£97,000
Net Rental Income
Capital Growth
Value at Exit
INITIAL £97,000
NET RENT £54,423
CAP GROWTH £101,180
EXIT VALUE £252,603
INITIAL £97,000
WHO DOES WHAT
Hands off once it's set up
You
Decide, with your own adviser, whether and how to release your pension. Once that decision is made, you approve the structure and the property.
Adventum
Forms the SPV, sources and buys the property, furnishes and lets it, manages tenants, and coordinates banking, accountancy and legal support through its partners, including Investec for lending, if you want it.
We work alongside your accountant or IFA, not around them. Bring them to the call.
Don’t have one? We can introduce you to a regulated adviser who works with our clients.
Where the money goes
Grade A property in Manchester and Birmingham.
We invest primarily in Manchester and Birmingham as they offer lower property prices, higher rental yields and strong potential for capital appreciation driven by large-scale regeneration projects and a rising population.
Vista River Gardens
51-storey tower, Trinity Islands, Manchester
Prices from £299,995
Est. gross yield: 6.5%
Centenary Tower
46-storey tower, Birmingham city centre
Prices from £297,000
Est. gross yield: 6.5% – 7%
What clients say
Professional perspective.
“Adventum provided far more than property sourcing, they delivered strategic tax and structuring advice that could materially strengthen the use of my pension and retirement planning. Their guidance on the right holding structures, combined with a disciplined focus on selecting high-quality, growth-led assets, can add real long-term value.
I would highly recommend Adventum to professionals seeking thoughtful, well-structured property investment counsel.”
Dr Chaand Nagpaul CBE
British Medical Association
Meet the team
The people you deal with
Dr Rajanya Ravasia
Founder & Director
Martin Cooney
Sales Director
Ghanshyam Nabar
Strategic Partner
PREFERRED PARTNERS
Our partners
We work with a select group of trusted partners to support every element of your property journey
STRAIGHT ANSWERS
Questions we get asked
It is the asset class you already trust, with a fixed deadline behind it. Adventum's modelled example shows a 16.46% IRR over ten years.
Most doctors don't start with one. We can introduce you to an independent, regulated adviser who works with our clients, there's no obligation to use them.
On the doctors page this answer leaned on Farhaan Mir's NHS-specific figures, roughly £20,000 a year in indexed pension income given up from a £250,000 pot taken at 55. That comparison doesn't hold for a general private pension. This needs its own stress-tested, like-for-like figure for a general pension before it can go on the page, not reused NHS numbers.
You withdraw up to 25% tax-free, arranged through your own adviser. A family SPV buys and holds the property, typically with a mortgage against the property itself. Investec can arrange this if you want it. Rent flows back to your family.
Very little. We form the SPV, buy the property, manage the tenants and coordinate the rest.
No guarantee. The worked example models 16.46% over ten years. Borrowing raises both return and risk.
They're probably not aware of this as a option. We work alongside your accountant and IFA so please invite them as well.
Gifting and trusts are your adviser's territory, not ours. We'll flag it when your position looks like it needs that conversation, and bring them in.
You have access to your own portal with all the information about your investment, including the documentation and figures.
Start with a conversation
A confidential call with our team.
To arrange a short call with a member of the team please complete the contact form. We will explain how it works and answer your committee’s questions. Alternatively, please email sales@adventumwealth.com